Alaska Car Insurance Cost for 2023

How much does auto insurance cost in Alaska? We look at average rates for all vehicle segments plus rank the models with cheap car insurance quotes in Alaska.

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How much does car insurance cost in Alaska?

Car insurance for the average vehicle in Alaska costs $1,338 per year, or about $112 per month, which is 20.6% less than the U.S. average rate of $1,685.

Weather in Alaska is unpredictable, so 4-wheel drive and AWD vehicles are popular choices. Average car insurance rates for some of the more popular vehicles include:

  • Toyota Tacoma – $1,220 per year ($102 per month)
  • Toyota 4Runner – $1,250 per year ($104 per month)
  • Toyota RAV4 – $1,238 per year ($103 per month)
  • Subaru Forester – $1,126 per year ($94 per month)
  • Subaru Crosstrek  – $1,018 per year ($85 per month)
  • Subaru Outback – $1,148 per year ($96 per month)
  • Ford F-150 – $1,358 per year ($113 per month)
  • Chevrolet Silverado – $1,458 per year ($122 per month)
  • Ram 1500 – $1,458 per year ($122 per month)
  • Honda CR-V – $1,132 per year ($94 per month)

The chart below shows average car insurance rates in Alaska for the 2023 model year. Annual cost is included for driver ages 20 through 60 and for three different physical damage deductible amounts ($250, $500 and $1,000).

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Alaska car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Alaska zip codes.Data last updated on December 29, 2022
Average Car Insurance Cost in Alaska
Average Car Insurance Cost in Alaska
Driver Age Deductible Annual Cost Monthly Cost

Rates in the chart above range from $1,010 per year for a 60-year-old driver with $1,000 deductibles to $3,088 per year for a 20-year-old driver with much lower $250 deductibles. For the same data, the average cost of car insurance per month in Alaska ranges from $84 to $257.

Car insurance quotes for teenage drivers in Alaska are not shown in the chart, but plan on paying considerably more to insure a 16 to 19-year-old. Average rates range from $3,364 per year for a 19-year-old female driver up to $4,786 per year for a 16-year-old male driver.

How does Alaska car insurance compare to other states?

When compared to other northwestern states, Alaska car insurance rates are 18.8% less than Oregon, 14.6% less than Wyoming, 17.4% less than Montana, 6.5% more than Idaho, and 16.2% less than Washington.

The chart below shows how auto insurance cost in Alaska compares to the other ten West region states. Alaska ranks third overall for the region for average car insurance affordability.

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Alaska Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Alaska Compared to West Region
West Region States Average Insurance Cost Annual Difference

Nationally, Alaska ranks 12th for overall cheapest average car insurance rates. The average cost of car insurance in Alaska is 21.6% more expensive than North Carolina, 37.3% cheaper than California, 18.8% cheaper than Oregon, 39.1% cheaper than Florida, and 17.3% cheaper than Arizona.

Which vehicles have cheap car insurance in Alaska?

Small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks tend to have the cheapest car insurance rates in Alaska. The Chevrolet Trailblazer ranks #1 overall, costing an average of $1,010 per year for full coverage insurance.

Other models that rank well for affordable car insurance in Alaska include the Nissan Rogue Sport, Mazda CX-5, and Buick Encore. For pickups, the cheapest model to insure in Alaska is the Ford Maverick, costing an average of $1,110 per year and ranking in the top 20 overall.

The cheapest small, midsize, and full-size luxury car insurance can be found on the Acura Integra at $1,198 per year, the BMW 330i at $1,356 per year, and the Acura TLX at $1,378 per year.

Luxury SUVs cost slightly more to insure than their car counterparts, and the most affordable models to insure in Alaska are the Acura RDX at $1,114 per year, the Lexus RX 350 at $1,198 per year, and the Cadillac XT4 at $1,204 per year.

The table below takes every model from the 2023 model year and ranks the top 75 by average insurance cost to find the models that are most affordable.

Top 75 Cheapest Vehicles to Insure in Alaska
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,010$84
2Subaru Crosstrek$1,018$85
3Nissan Kicks$1,024$85
4Honda Passport$1,038$87
5Nissan Rogue Sport$1,042$87
6Mazda CX-5$1,050$88
7Buick Encore$1,064$89
8Buick Envision$1,066$89
9Kia Seltos$1,082$90
10Subaru Ascent$1,088$91
11Hyundai Venue$1,090$91
12Subaru Impreza$1,108$92
13Ford Maverick$1,110$93
14Honda HR-V$1,110$93
15Chevrolet Colorado$1,112$93
16Acura RDX$1,114$93
17Hyundai Kona$1,120$93
18Subaru Forester$1,126$94
19Ford Edge$1,130$94
20Honda CR-V$1,132$94
21Mazda CX-30$1,134$95
22Ford Explorer$1,138$95
23Volkswagen Atlas$1,140$95
24Chevrolet Trax$1,146$96
25Nissan Murano$1,148$96
26Subaru Outback$1,148$96
27Nissan Frontier$1,154$96
28Volkswagen Tiguan$1,160$97
29Ford Bronco Sport$1,164$97
30Fiat 500X$1,184$99
31Ford Ranger$1,186$99
32GMC Terrain$1,186$99
33Kia Soul$1,188$99
34Mitsubishi Eclipse Cross$1,190$99
35Volkswagen Atlas Cross Sport$1,192$99
36Acura Integra$1,198$100
37Lexus RX 350$1,198$100
38Chevrolet Equinox$1,200$100
39Cadillac XT4$1,204$100
40Toyota Corolla Cross$1,206$101
41Volkswagen Taos$1,210$101
42GMC Canyon$1,214$101
43Toyota Venza$1,216$101
44Volkswagen Jetta$1,218$102
45Honda Odyssey$1,220$102
46Mazda CX-50$1,220$102
47Toyota Tacoma$1,220$102
48Hyundai Tucson$1,222$102
49Ford Escape$1,224$102
50Kia Sorento$1,224$102
51Nissan Rogue$1,228$102
52Subaru Legacy$1,230$103
53Volvo XC40$1,230$103
54Mazda MX-5 Miata$1,234$103
55Infiniti QX50$1,236$103
56Hyundai Palisade$1,238$103
57Mazda MX-30$1,238$103
58Nissan Sentra$1,238$103
59Toyota RAV4$1,238$103
60Hyundai Santa Cruz$1,240$103
61Kia Niro$1,240$103
62Mini Cooper$1,246$104
63Lexus UX 250h$1,248$104
64Chevrolet Tahoe$1,250$104
65Toyota 4Runner$1,250$104
66Jeep Compass$1,252$104
67Toyota Corolla$1,254$105
68Volkswagen Golf$1,254$105
69Toyota Prius$1,258$105
70Cadillac XT5$1,268$106
71Toyota Camry$1,268$106
72Mini Cooper Clubman$1,270$106
73GMC Acadia$1,274$106
74Chevrolet Traverse$1,276$106
75Mazda 3$1,282$107

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Alaska.Data last updated on December 30, 2022
    Top 75 Cheapest Vehicles to Insure in Alaska

    The chart below shows average car insurance quotes in Alaska for not only the ten vehicles we featured earlier in the article, but also an additional 15 models.

    Out of these 25 vehicles, less than ten made the table of the 75 cheapest vehicles to insure shown above.

    The table icon below the chart allows you to view both annual and monthly average car insurance rates for all 25 vehicles.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Alaska car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Alaska Zip Codes.Data last updated on December 30, 2022
    Alaska Car Insurance Rates for Popular Vehicles
    Alaska Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,018$85
    Subaru Forester$1,126$94
    Honda CR-V$1,132$94
    Subaru Outback$1,148$96
    Chevrolet Equinox$1,200$100
    Toyota Tacoma$1,220$102
    Nissan Rogue$1,228$102
    Toyota RAV4$1,238$103
    Toyota 4Runner$1,250$104
    Toyota Camry$1,268$106
    Kia Forte$1,310$109
    Toyota Highlander$1,334$111
    Honda Accord$1,352$113
    Ford F150$1,358$113
    Hyundai Santa Fe$1,370$114
    Toyota Tundra$1,404$117
    Jeep Grand Cherokee$1,418$118
    Ford Mustang$1,450$121
    Jeep Cherokee$1,452$121
    GMC Sierra$1,456$121
    Chevrolet Silverado$1,458$122
    Ram Truck$1,458$122
    Hyundai Elantra$1,460$122
    Jeep Wrangler$1,482$124
    Chevrolet Corvette$1,648$137

    Alaska car insurance rates by city

    Shown in the list below are average annual and monthly car insurance costs for some of the larger cities in the state of Alaska. Visit any page to view detailed rate information, including average cost by automotive segment, rates by driver risk profile, and the vehicles with the cheapest car insurance quotes in each city.

    Additional insights into car insurance in Alaska

    It’s challenging to write one article that includes enough data to properly illustrate how variable car insurance rates are without being overwhelming. The list below includes a few additional points that can impact the cost of insurance not only in Alaska, but any state.

    • The higher deductible you choose, the lower the policy cost. Increasing the physical damage deductibles on your policy from $500 to $1,000 could save around $276 per year for a 40-year-old driver and $538 per year for a 20-year-old driver. Just be sure you have financial resources available to cover the extra cost in case of a claim.
    • Conversely, lowering deductibles makes car insurance more expensive. Lowering your comprehensive and collision deductibles from $500 to $250 could cost an additional $288 per year for a 40-year-old driver and $1,418 per year for a 20-year-old driver. Since lower deductibles mean less out-of-pocket expense with a claim, you’ll pay more for the policy.
    • Alaska car insurance is cheaper for safe drivers. Too many at-fault accidents can cost more, as much as $618 per year for a 30-year-old driver and even $426 per year for a 50-year-old driver. Avoid accidents and you’ll save money.
    • Younger drivers pay higher rates. The difference in average car insurance cost between a 50-year-old driver ($1,216 per year) and a 20-year-old driver ($2,658 per year) is $1,442, or a difference of 54.3%.
    • Earn policy discounts to save money. Discounts may be available for things like driving a vehicle with safety or anti-theft features, insuring multiple vehicles on the same policy, being accident-free, being a military or federal employee, or many other discounts which could save the average driver $128 or more each year.
    • Improve your credit for cheaper car insurance. Drivers who maintain a credit score over 800 could save up to $210 per year when compared to a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $244 more per year.